[Resolved] HDFC Bank Bank Personal Loan — ECS Bouncing and charge over | |
Sir, My name is Prem Chandra took a personal loan from HDFC bank rupees 75,000 in july 2007, till date I paid 32EMIs, when i took the loan my salarid account was in citibank some EMI had debit from Citi account and after that my new accont has opend in HDFC Bank Limited in Gugraon,when my account has opened in HDFC,I have inform to my Citi bank that my all ECS debit should be stoped and infrom to respacted banks.so citi bank had inform to all. my all ECS debit has been stopped from my citibank account near about in month of april or may 2008,but HDFC bank unnessessory hit my Citi Account to debit loan EMI ruppes 2731 only,but we have infrom you to hdfc bank also regarding my ECS Stoping.but Till date no action taken from HDFC and continue Hit the ECS to My citibank account. over that I am regular pay from cheque for this EMI. I had been very bitter experience against HDFC consumer finance. Customer name - Prem Chandra Account No.[protected] Loan amount - 75,000 Mobile no - [protected] Tenure Req. Months - 36 E.M.I . Amount -Rs.2731 I had all supporting documents for the above complaints, I am expecting the concerend bank to solve the problem immediately. Please removed from the defaulters list Regards, Prem Chandra Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 3 Comments | |
Comments
HDFC Bank has some serious problems. Wish to list some of them.
1. The employees believe the processes are the goal and not means to achieve a goal for eg. Customer satisfaction etc. The funny thing is that they are proud of their idiotic processes designed by somebody who has never ever worked in a bank, sales or customer service.
2. It looks like they got some cheap ATMs. seems to be the type of bank HDFC Bank is Bargain Hunters. Their ATMs look like World War II surplus stuff. Your ATM/Debit Card enters the slot like your favourite relative's body is being swallowed in an electric crematorium. Not sure if my card would come out whole again. Very slow, tedious interface. To make up for the cheap stuff they have bought they now have a quick Rs. 15, 000 only option.
3. Their account opening form has a size that I have not seen since my Grand dad retired from the Indian Railways in the 50s. Try sticking your photo (because this outdated bank wants you to sign across the photograph) and then fold the form to mail it or hand deliver it.
4. If you are an NRI and want to open an account for somebody who is physically not present, they intitally ask the person for whom the account is being openened for to self attest address and identity copy. After doing that they want a letter from the person that he has attested the copies. ( Inmates running the asylum).
5. In Phone Banking you can get a new check book delivered to the validated address on your account with Customer ID, Address, Account Number and Debit Card with PIN. If you offer to use the ATM Card with PIN instead it cannot be done. The idiotic Supervisor was trying to explain to me the difference between an ATM Card and Debit Card whilst I was trying to explain to him that from a validation perspective there was no difference between the ATM Card and Debit Card as far as getting a Check Book sent to a validated address.
6. If they send a peon to your home to get a New Check Book request form to be signed and collected from you, they still need you give them an attested copy of your PAN Card, all this to accept a new check book request for getting a check book mailed to a validated address on your account.
7. Call their Phone Banking you will know what a cheap, clumsy design they have on their phones. Basically they have created a multilingual Voice Mail Jungle and have clearly not conducted any user testing.
8. If you operate an online account with them, they force you to change your password every three months. This bank is run by amateurs who have no clue on how to implement security without screwing up customer service. I have a Citibank account with the same password for over 20 years now.
9. By the way HDFC BANK ATMs do not have an expiry date. Ignore what is printed on the ATM. If you are an NRI and are visiting India for a let us say a week or so and would like your damaged (visually, but still usable) ATM card replaced, God help you. HDFC Bank will first block your existing card and then take your request for ordering a new card. The logical way to handle this would have to take the request for a new card, deliver it and when the new ATM card is activated the old one automatically dies. With the way HDFC operates it now, you will be left without an ATM Card for perhaps 2 weeks till such time your new card arrives.
10. There are some poorly paid Einsteins at HDFC Bank who have no clue on how to improve efficiencies and customer service at this Bank. They will gleefully tell you they have deviced "Foolproof Processes" to protect you and the Bank. It is amazing how the rest of the poorly paid mafia explain this stupidity away as "This is a government requirement".
1. The employees believe the processes are the goal and not means to achieve a goal for eg. Customer satisfaction etc. The funny thing is that they are proud of their idiotic processes designed by somebody who has never ever worked in a bank, sales or customer service.
2. It looks like they got some cheap ATMs. seems to be the type of bank HDFC Bank is Bargain Hunters. Their ATMs look like World War II surplus stuff. Your ATM/Debit Card enters the slot like your favourite relative's body is being swallowed in an electric crematorium. Not sure if my card would come out whole again. Very slow, tedious interface. To make up for the cheap stuff they have bought they now have a quick Rs. 15, 000 only option.
3. Their account opening form has a size that I have not seen since my Grand dad retired from the Indian Railways in the 50s. Try sticking your photo (because this outdated bank wants you to sign across the photograph) and then fold the form to mail it or hand deliver it.
4. If you are an NRI and want to open an account for somebody who is physically not present, they intitally ask the person for whom the account is being openened for to self attest address and identity copy. After doing that they want a letter from the person that he has attested the copies. ( Inmates running the asylum).
5. In Phone Banking you can get a new check book delivered to the validated address on your account with Customer ID, Address, Account Number and Debit Card with PIN. If you offer to use the ATM Card with PIN instead it cannot be done. The idiotic Supervisor was trying to explain to me the difference between an ATM Card and Debit Card whilst I was trying to explain to him that from a validation perspective there was no difference between the ATM Card and Debit Card as far as getting a Check Book sent to a validated address.
6. If they send a peon to your home to get a New Check Book request form to be signed and collected from you, they still need you give them an attested copy of your PAN Card, all this to accept a new check book request for getting a check book mailed to a validated address on your account.
7. Call their Phone Banking you will know what a cheap, clumsy design they have on their phones. Basically they have created a multilingual Voice Mail Jungle and have clearly not conducted any user testing.
8. If you operate an online account with them, they force you to change your password every three months. This bank is run by amateurs who have no clue on how to implement security without screwing up customer service. I have a Citibank account with the same password for over 20 years now.
9. By the way HDFC BANK ATMs do not have an expiry date. Ignore what is printed on the ATM. If you are an NRI and are visiting India for a let us say a week or so and would like your damaged (visually, but still usable) ATM card replaced, God help you. HDFC Bank will first block your existing card and then take your request for ordering a new card. The logical way to handle this would have to take the request for a new card, deliver it and when the new ATM card is activated the old one automatically dies. With the way HDFC operates it now, you will be left without an ATM Card for perhaps 2 weeks till such time your new card arrives.
10. There are some poorly paid Einsteins at HDFC Bank who have no clue on how to improve efficiencies and customer service at this Bank. They will gleefully tell you they have deviced "Foolproof Processes" to protect you and the Bank. It is amazing how the rest of the poorly paid mafia explain this stupidity away as "This is a government requirement".
Dear Sir,
I have taken personal loan from HDFC, Rajouri Branch on dated 7/5/2009.
After disbursement of personal loan we had paid all EMI's regularly through ECS and there is NO DUES is pending. Now i am requesting for NOC but they are asking bouncing charges for the month of may 2010. This is for your kind information i have never bounced any cheque.
So you are requested kindly arrange/issue NOC as earliest as possible.
Customer name - RANDHIR KUMAR JHA
Personal Loan Account No.[protected]
Loan amount - 80, 000
Mobile no - [protected]
Tenure Req. Months - 24 i.e 07/04/2011 till.
E.M.I . Amount -Rs.4310
I had all supporting documents for the above complaints,
Regards,
Randhir Kumar Jha
I have taken personal loan from HDFC, Rajouri Branch on dated 7/5/2009.
After disbursement of personal loan we had paid all EMI's regularly through ECS and there is NO DUES is pending. Now i am requesting for NOC but they are asking bouncing charges for the month of may 2010. This is for your kind information i have never bounced any cheque.
So you are requested kindly arrange/issue NOC as earliest as possible.
Customer name - RANDHIR KUMAR JHA
Personal Loan Account No.[protected]
Loan amount - 80, 000
Mobile no - [protected]
Tenure Req. Months - 24 i.e 07/04/2011 till.
E.M.I . Amount -Rs.4310
I had all supporting documents for the above complaints,
Regards,
Randhir Kumar Jha
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Branch 542, Trade World, A Wing, Ground Floor, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra, India - 400013
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Personal Loan — Over charge
To,Manager Customer Service,
HDFC (Personal Loan Division).
Kolkata.
Ref: Personal loan id is 11339118.
Subjetc : HDFC has deducted personal loan EMI both by Cash and ECS. Cash receipt no is 16513950.
Please note I have been charged by HDFC twice for the same charge and they have informed me of some outstanding amount which has not been intimated to me earlier.
I have received a call from HDFC on 5/5/09 and immediately I have advised them to collect cash from my house as I am traveling presently. No one was sent.
I received a call again on 12/05/09 saying my ECS has bounced and they were again advised to collect cash from my house the next day. Errand id no 91667 was sent on 15/5/09 to pick up cash and he collected same and provided receipt for sum of Rs.11377.
On 18/5/09 I found out from my bank account that a sum of Rs.11377 was debited by ECS. I did call HDFC immediately and they confirmed to have received the ECS amount but the cash receipt was not reflecting in their system till then and advised me to call after an hour.
I called back on 19/05/09 (next day) and they again reconfirmed me that they have received ECS and no cash update has still been reported yet, and advised me to call back after 3 working days.
On 22/5/09 (today) I called up again and they confirmed to have received the double payment both by ECS and cash for this month for an amount of Rs. 11377. But to my surprise they advised only rupees seven thousand (approximate) is reimbursable by the bank and liable me for some outstanding charges. (They are claiming to have two thousand (approximate) as my outstanding amount.)
I have no idea of this outstanding amount.
Never have I been told about this before nor have I received any written document informing regarding same from HDFC personal loan.
Moreover when collection department has collected money from me in past they have never spoken on outstanding amount of any sort.
Secondly most importantly they informed me that ECS has bounced which is far from reality.
I take this behaviour from HDFC personal loan division as misconstrue of facts and misappropriation of funds and will be compelled to file legal proceedings on same.
I urge you to take this matter for utmost seriousness.
I will wait for 48 hours from delivery of this letter after which my lawyer will be sending communications formally for legal proceedings.
Regards
Sandip Goswami